Angry Investment Scammer Prank #2 – Ownage Pranks



this day hello can I talk to advertise multi for loan please what I saw your advertisement on the listing of correct what are you working for I am looking for known what can alone I have a lot of good I'm trying to kind of expand the operation I want to find out what kind of ready to have a listing I have to see how you amateur you working tomorrow I'm not sure you working to borrow it is Sunday you know ma'am I make sure you're working to borrow exit sir I am NOT I am NOT a lady okay I'm good but I know it is Sunday what's wrong with Sunday I don't work on Sunday that's what's wrong with it what how much are you looking to borrow I am looking for five hundred thousand right but your advertisement does not say don't hold on Sunday I only work on Sundays well common common common damn said should tell you that I mean are the banks open on Sunday do you mean common sense should tell you that okay the advertisements take it no it does not say that it does not say don't call on Sunday does it well I said common sense should tell you that the financial services business were not open on Sunday fuck you bitch suck my cock meat sandwich don't we call me anymore you understand that don't talk to me like that okay I want to find out what is the rate fuck you asshole I said fuck you I given you no right you if you want to talk does this call me money morning but right now I'm not gonna deal with you I don't want to deal with you so you call somebody else and bother them do you want me to bend over so you can do the fucking good work no no you go fuck your mother asshole and leave me the fuck alone oh hey go fuck yourself you sorry bastard telephone got disconnect I don't know what happened right calm down man look well you know what happened your foot – you're fucking with me and I ain't gonna fuck with you now then here you know you're showing your ass here you're sorry son of a bitch and I don't want to talk to you okay I will call you in five minutes okay you get a kick out of just being a dumb fuck I don't see I'm sorry okay I thought we got off on the wrong foot so I wanna know then another you just get a kick out of being a dumb fuck don't you know you are a motherfucking asshole guy that's why I call you just you just you just get it you just get a kick out of being an absolute dumb motherfucker no you know there ain't nobody gonna do business with you Monday through Friday and then ain't certainly ain't nobody gonna do business with you after listen to your bullshit mother you're cutter you nobody want to do business with you that's why you have to use Craigslist mother bitch that is what that mother clucker gets for talking shit about Tyrone in part one if this video gets thirty five thousand likes we will call back one more time on Sunday – right and if you can you to call here you will be arrested that I can promise you what happened I called you one time to ask about your fare and you're getting all bitch mode on there like what's happening

BETTERMENT REVIEW 2019 📈 Best Robo Investing Platform?



– Hello once again, guys,
welcome back to the channel. Hope you're havin' a great day so far. So, what we're gonna be
doing in this video today is doing a review of the
Betterment investing platform. Now, if you've been watching my channel for a while, you know that I did a review of this platform
back in July of 2018, but since then there have been a number of different
updates to this platform and new features entirely,
and so I wanted to go ahead and do an update of that
review and talk more about specifically some of these new features and what they are offering to investors. Now, if you guys do decide
that you want to sign up for a Betterment account,
I do have a link. It is the top link in
the description below. This is an affiliate link,
you guys don't have to use it if you don't want to, but it
certainly does help me out and helps to support my channel and allows me to make
more videos like this. And if you are looking to
learn more about Betterment, I have a link to that other review video in the description below, as well as an in-depth article I've done on my blog that's a more comprehensive
review of Betterment. But there are two main things I wanna focus on within this review. Number one: the passive investing strategy that Betterment is offering to investors, and then number two: a
completely new feature they've added to their
platform called Smart Saver. That requires a little
bit of an explanation to understand how this could benefit you. So, number one, let's
start off by talking about the passive investing that
Betterment is offering and ultimately who are they going after? Who is the target market for Betterment? So, what Betterment is offering is goal-based passive investing. Now, by passive investing, I mean you're not actively involved with it. You're not out there selecting stocks, you're not picking funds, you're not rebalancing your portfolio, you're essentially doing nothing and allowing Betterment to take
of all of that work for you for a small annual fee. Now, that fee for Betterment
is 0.25% for the digital plan or if you are interested
in Betterment Premium, which is for people who have
a larger account balance, that is a 0.4% annual fee. Now, a lot of people hear that and there are all these different fee-free investing platforms out there, and they go, "Wait a second, "why would I want to
invest with Betterment?" but they are offering a number of features that are quite helpful to
investors and, in some cases, they will offset that 0.25% annual fee. So, this is basically how it's
gonna work with Betterment. Once you open an account with them, they're going to build a
custom portfolio based on you. Based on whatever your goals are. So, if you're looking to save for college, if you're looking to save for retirement, whatever it is you're looking to do, you're gonna tell
Betterment, "Here's my goal. "Here's my current income situation," and they're going to
build a portfolio for you and help you stay on
track to meet your goal. A lot of people don't
have this frame of mind when it comes to investing. They don't think of their
goal at the end of the day. But, goal-based investing
really does make a lot of sense because you understand
where you are today, you understand where you're
looking to get eventually, and this will help you
break it down into steps that you can take
day-by-day, or week-by-week. So, once you set up your portfolio, Bettrment manages the
entire portfolio for you. All you have to do is
continue to contribute and add more money to it. They're going to allocate the portfolio, they're going to reallocate
it as your risk changes. As you get older, for example,
you want less and less risk involved in that portfolio, and they're also going to rebalance it. So, as your portfolio gets out of whack because not all these
assets are going to be doing the same thing at the same time, Betterment is going to
rebalance your portfolio making sure you're not
overweight or underweight in certain assets. Now, above and beyond that,
Betterment also offers automated tax-loss harvesting, which is one of these features
that can save investors a substantial amount of money. And, this is kinda a complicated subject, I'm not get into it in this video, but we talked more about
tax-loss harvesting in my review, but essentially, it's a way for Betterment to find ways to cut down on your tax bill at the end of the year by recognizing small capital
losses on your investments. And this is something
being offered by Betterment that you're not gonna find with comparable free-investing
platforms out there. Now, one of the biggest
perks of Betterment is that they have a $0 minimum balance, meaning if you have $5 or $100 and you want a well-balanced,
diversified portfolio, they will build that for you. And this is kinda the gap that Betterment is looking to fill here, is people that want professional
guidance with their money but they don't have enough
to go to a financial advisor. If you go to a financial
advisor with $100 bill and you say, "Hey, I'd like
you to invest this for me." they're gonna laugh and tell you to go buy lunch or go buy dinner because it's not worth it for
them to take on that account because they're actively involved. Since Betterment is a robo-advisor, it doesn't cost them any more money to add new accounts to the system, meaning that they can take on
as small accounts as possible. They could take on someone with $5 if someone absolutely wanted to do that. So, Betterment essentially
fills that gap there of people who are looking
for guidance with their money but they may not have enough
to go to a financial advisor, or it's people who are fee-sensitive and they don't want to be paying 0.1% to a financial advisor. And then Betterment is
going to take your money and they're going to be investing it in low-fee index funds, they typically use Vanguard products or iShares products, and these are some of the best
index funds on the market, and that's ultimately
going to help you keep more of your hard-earned
money and pay less in fees. So, that is the Betterment goal-based passive investing in a nutshell. Number two, let's talk about
a big game-changer here and something totally new to this review, and that is Betterment's Smart Saver. Betterment's Smart Saver is essentially an automated cash management solution, and it gives us a good
answer to that question of what do we do with our savings? What do we do with our emergency fund? Because a lot of us have savings or we have an emergency fund, and we don't want to
invest that in the market because we're gonna need
that money in the short term, but we also don't wanna leave that money sitting in our bank account
being deteriorated by inflation. So, that is where Betterment's
Smart Saver offers a really good solution to that,
which is taking that money and investing it in very
low-risk short-term bonds. So, this is bascially how
Betterment's Smart Saver works. It's optional, meaning
you don't have to use it if you don't want to as
a Betterment customer, but basically, once you start off, you connect Smart Saver
to your bank account, and then your spending
is going to be analyzed. Once they have an idea of how
much money you're spending every single month, they're
going to start sweeping the extra cash into your
Betterment account automatically and they're gonna be analyzing
the levels of your accounts. So, if your checking account gets too low, they will automatically
move more money back into your bank account, that way you don't have to worry about overdraft or any issues like that. But what they're doing is
they're taking that money and investing it in very low-risk bonds. It's a portfolio of
short-term U.S. treasuries and short-term corporate bonds. Now, right now, that is
paying an after fee yield of over 2%, the yield changes
every once in a while, so I'm gonna have a link
down below where you guys can click and see the updated
yield for Smart Saver, but the most important part here is that you're earning a return on your cash, you're keeping it where it's still a pretty liquid investment
that you have easy access to, and you're not losing your
buying power due to inflation. Now, I've actually met
the people at Betterment, I've been down to their
New York City office, it's a really amazing
place, and I remember sitting down with them and
talking about Smart Saver and what they're looking to build here, and they're best analogy for me is that this is like the self-driving wallet, where you don't ever
have to really open up your bank account because
everything is moving on it's own. The money's automatically
being swept into Smart Saver, that way you're savings
are earning interest, and it's going automatically back into your account to
pay your bills, that way your buying power is being protected. And you can also fully
automate your investing with Betterment where maybe
you wanna do $50 a week or $500 a month, you
can essentially automate the entire process and then never have to think about your investments. So, my best way to explain Betterment is it's peace of mind for 0.25%. So, if you're comfortable with paying that 0.25% asset fee or
management fee per year, you essentially don't have to
think about your investments at all or your uninvested cash. You know that Betterment is helping you preserve your buying
power with Smart Saver, and they're investing your
money in a goal-based, passive investing
portfolio and helping you eventually realize your goals. But anyways, guys, that's gonna wrap up this review video here. That is essentially what
Betterment is offering. And, a lot of people using this service are people that have a
small amount of money, they want some professional guidance but they don't have enough
to go to a financial advisor or they just don't want
to pay the high fees. They would rather have
an automated solution that is not costing them
nearly as much money. And like I said, if you do want to learn more about Betterment, I have my full review article
in the description below, and if you do decide you wanna sign up, it is the top link in
the description below if you guys wanna help me out
and use my affiliate link, but again, that is totally optional. Thanks so much for watching this video, I hope you enjoyed it. If you did, make sure you drop a like and I will do my best
to answer any questions you guys have as well, so go ahead and leave your comments down below. But if not, I will see
you in the next video, and I hope you have a
great rest of your day.

How To Start A Buy To Let UK Investment Property Business Or Portfolio | Property Market Tips



how do you really start a buy-to-let property investment business in today's market let me give you the ten things I think you need to consider hi there my name is Tony law for your first four houses my channel is all about helping you get to investment property number four as quickly and as painlessly as possible so let me give you these ten things I feel you need to have at the forefront of your mind in order to be successful in this property investing world of ours the very first one is to you need to understand your financial goals so let me give you a specific way that you should do this you basically need to understand how much money you're spending every single month download three months worth of bank statements work out what you're actually spending every single month and that is the target that you need to hit essentially to be financially free the sooner you hit that target the sooner you can kind of basically give up the day job essentially and focus far far more of your energy on building your property portfolio when you know what that number actually is now I run a paperless office largely but when you know what that number is I need you to do something very manual for me I need you to go and draw up one of these it's effectively the kind of thing that you'd see if you were trying to raise finance for a particular project at the top of it you're going to have that target that number that you've just worked out running up the side you're going to have integers at about say 500 pounds a little Mark's going up the side and whenever you do a deal that puts money in your pocket you need to color that in it may sound primitive but it's incredibly powerful I've recommended this to a lot of people they use it and they find it really really helps them keep focused so moving on quickly to point number two you need to work out how much time you can give to this so really if you're working full time that doesn't mean that you haven't got time to do this you've got your lunch times you've got your evenings and you've usually got your weekends how much can you give to this the more time you can give the better and faster results you're going to achieve next number three I need you to start building your education now there's a number of ways that you can do this you can look at podcasts you can get books webinars you can employ a coach mentor you can look some courses but the sooner that you can build your knowledge the sooner you're going to barely achieve bigger and better deals and one of the specific things that I'd like you to consider if maybe this is an area of weakness for you is to maybe get some training on negotiation because this is a real key thing that will really help you when you're speaking to agents or when you're speaking specifically to sellers so please look into that number four the sooner that you can focus on picking your strategy the sooner you're going to be successful now I like people to sort of focus on maybe one or two core strategies while they're having more of a shotgun approach it's better to be more laser focused so see if you can work out which one or two core strategies would work really well for you and start focusing on those number five research the different areas and work out where you should be actually buying now I did a video recently on this that basically gives you a really detailed explanation on how to work out supply and demand on any area within about 60 seconds but you need to look at other things in the area that you're actually looking at what's the situation with regards to perhaps new employment what about transport links are they being improved specifically what about population is there an increase or decline that you've noticed all of these things can really dictate the better areas to actually invest point number six go and see a mortgage broker you need to find out what kind of mortgages you can get and again I did another video here on how to actually improve your credit rating I would strongly suggest that you watch that that will give you some real key tips to improve your credit rating which is going to mean you'll get better access to better mortgages at lower rates number seven you need to learn how to find great deals now I know that this is a massive topic and we could go into this in a much in a lot more detail but essentially you do need to understand how to find better deals you need to learn very specifically what makes a good deal for you and honestly this is a real key thing you may have no funds at all but if you can find and negotiate really good deals you're never honestly you'll never have problem raising the funds I'll invest with you if you can find really good deals but in essence there's lots of people around you that will be delighted to sort of put money into the deals if you can find them next start building connections so when I say that I'm talking about connections with agents and talking about connections with deal sources and talking about connections with people who can help you fund your next deal the sooner you start building genuine sincere honest full-on relationships friendships with people honestly the sooner you're going to actually be successful in this property world of ours number 9 is simply exit strategy so many people I talk to to have no clear exit strategy they don't really understand their exit strategy at all when I always encourage people to consider two exit strategies and I would love you to do the same so even before you buy that very first property just consider are you holding this for the long term is this a flip that you want to churn to get the money out very very quickly if things don't work out is there a second way out for you and number 10 and this is the big one this is where so many people stumble and that is you have to to take action now I know that seems bleeding lis obvious but so many people they kind of build their knowledge they learn learn learn but they stop at the action taking point frankly I don't really understand this if I'm being truthful with you I think I think it's largely down to fear quite often and so quite often perhaps having somebody behind you that's maybe got their hand in the small of your back and just sort of pushing you forwards or just giving you a bit of a shelf to actually take that action might be really beneficial for you and let me ask you a question how many properties have you actually been out to sea this week or this month if the answer is none then you're not taking any action I would respectfully suggest so you need to take that action I really hope that you found that helpful I just want people to be successful in this property world of ours and to get to that magical place where the income that's coming in surpasses the money that's going out and if this sort of stuff really helps you I am absolutely over the moon my name is Tony Lal from your first four houses I really hope you found this one helpful I look forward to seeing you in the next video or and before I go please if you can take a moment to subscribe to my youtube channel if you haven't already done so that would be absolutely brilliant with its face books more your kind of thing please like my Facebook thanks ever so much I look forward to seeing in the next video thank you

Facebook's 1st India equity investment | FB India's boss speaks to ET Now | Startup Central



welcome back you're watching the brand-new startup central with mean antara right before the break we were talking about what saps Grand Challenge it give our checks of $50,000 each to five startups it did so in collaboration with the government's startup India but it's not just what's up facebook also has big plans for startups shouldn't come as a surprise the all of the same owner Mark Zuckerberg clearly Facebook looking to leverage opportunities with starters for all his platforms be it whatsapp or Instagram and we saw that with Facebook announcing its first-ever investment in an Indian start-up Misha a social commerce platform Misha would clearly bring new untapped opportunities for Facebook across its platforms we show short for merely shop in Hindi was co-founded in 2015 by to patch mates of IIT Delhi with it r3 and Sanjeev Panvel me shows already raised 65 million dollars including 50 million dollars in a Series C funding seven months back it was also incubated at one of America's most coveted startup accelerators the Y Combinator successful startup Street usually follows a string of failures in the case of me show and its failures it was just one with it and Sanji's first startup had failed it was a hyperlocal on-demand fashion marketplace or what they like to call swiggy for fashion but from that failure with it and Sanjeev hit on a goldmine of an idea what was that insight what was their idea of what really worked don't hear it from us hear it from the Mesha founded with it r3 himself we show as a social commerce platform what it does it enables people to start their small businesses online mostly using social platforms such as whatsapp Facebook and Instagram it's very common in India of women starting boutiques are the houses right very very common but for every boutique that you see there then 99 other women who also want to start a boutique but just do not so we said if we can go to them and tell them that hey I know you want to start a business of your own but you don't have money and we'll help you out and we will train you we will maintain you will tell you how to start a small business and then we'll give you access to all the tools all the supply that you started reaching out to people of very very diverse backgrounds housewives females who big retired folks who are trying to make pension and said why don't you start your own online business without any investment we have men women all different age groups selling their stores of whatever category they like they relate with the fashion apparel accessories cosmetics home decor people are running the travel agencies here people are telling food there's so many people out there who want to do this who want to start the business because it empowers them but they just do not have resources and we gave them a very simple tool giving them access to everything in the ecosystem and these people using their hard work this candid so fast as of now we empower about half a million people on a monthly basis to sell something and make money our vision is 10 years from now if anyone in India wants to start a small business they should come to us we will give them access to everything they need in this ecosystem because doing business offline in terms of cost and in terms of return in the new age does not well there you go that's the me show co-founder on the journey so far but we've got all bases covered here on startup central we've got to meet your side of the story now we're gonna touch base with Facebook to find out what it is that impressed Facebook about Misha not just that we're going to be quizzing Facebook India's top boss on behalf of all of you entrepreneurs all of you businessmen all of you that have a start-up on how you can leverage Facebook in the best possible way incidentally this is Facebook India as a Ajit born making his television debut to so a tea thanks so much for joining us here on a tea now on startup Central Facebook making its first ever equity investment in its startup in the country I have to ask you why now and why Misha network we are excited to announce an equity investment in me show which is one of India's most exciting and and fastest growing social commerce companies I think to the question that you asked Facebook has been investing in India for quite a while but what really made us excited about this particular company and and the fact that we are making an equity investment of this kind for the first time in India is one it's a company started by two entrepreneurs we like their journeys we like the story and second we really like the model of entrepreneurship that me show is fostering most of their focus is on tier 2 and tier 3 cities beyond the large metros it's really fostering a threeway marketplace connecting resellers suppliers and entrepreneurs and we really like that of the two million resellers that they have more than 80 percent are women so we really like the story of investing in a startup that is making a material impact in driving entrepreneurship in India and especially female entrepreneurship okay so now we know why me sure but you know India is a burgeoning market so a Jetta you know is this just a start will it be more investments will there be a fund dedicated to India I think a couple of things to point out here one we really see ourselves as an ally for India and India's internet and and therefore we have been here for the last few years our family of apps is large and consequential and and we have been investing in India for a long time but really where we believe there is an opportunity even beyond the work we do every day including helping small and medium businesses discover new markets in India and abroad where we believe there is an opportunity to support a new company through an equity investment we will continue to do that even in the future it is still not telling me is there going to be an India dedicated fund that you know Facebook will invest in startups and how much of an investment have you made any show on the question no not that we are not looking at this as setting up an India venture capital fund that's not the lens for us the lens really is there is you know work that we do every day and on top of that if there are opportunities like me show where there's a company that has a very positive impact on India and job creation and the India internet we are very willing to support that with a with the financial investment so we're not we're not disclosing the size of that investment but we really see this as the beginning of a journey to support a company like miso and if we have opportunities in the future where we get an opportunity like this where we see a company that really is moving the agenda of job creation in India will grab that opportunity again but the construct of it is not in India fund so you know Facebook has been acting as an ally of startups it runs a several accelerator programs and in right here in India but Ajith what's it going to take for Facebook to like a start-up so much that is not able to just press like but come on board as an equity investor what is Facebook's checklist the do's and don'ts for investing in a startup I think it's two or three things one impact I think one of the things we liked in me show is in a very short period of time they have shown real impact obviously they have grown in revenues but they have more than 2 million resellers or more than 80% of whom are women most of whom are female entrepreneurs who are entrepreneurs for the first time in terms of owning a business so impact as one lens I I think the second lenses we do like companies that are aligned with our mission of giving really people to the power to build communities this is clearly a community being built on me show that are that are playing a constructive role in in helping their local communities friends and families discover and get access to interesting products but that lens of close-knit powerful communities that are adding value that's the second lens that that we are always excited by because it's close to our mission and third is you know fundamentals of the business we saw two entrepreneurs who were building the business blog by blog focused on the right things and that excited is as well so hopefully that's a framework that'll be helpful for people who are listening man there you go for all of you that are interested in knowing how to get facebook to like you what is a checklist you're hearing it from the toppers of Facebook India now you know for everyone who's tuning in to startup Central Ajith I have to ask this question for the entrepreneurs for the startups for all of those that have businesses what's the best way for them to leverage Facebook how can they monetize the business the best way possible you on Facebook I think I think it's a great question it's also a very broad question matter and and the one observation that I have over the last five years or even if I'd dial back five years is there's a lot more diversity and depth in the India internet market and that applies for monetization as well where there is diversity in sources of revenue whether it is advertising or subscription or transactions so for any entrepreneur where they're excited by a fundamental mission I think one of the big things that has happened one of the big shifts that have happened in the last few years is there's a lot of depth in the India internet market and therefore there's a lot of different revenue streams I think it is just about discovering the right revenue stream for the business model that you have and and going after it with gusto I think I'm not gonna let you go so easily give tips to the viewers of ET now give tips to all those entrepreneurs startups and a businessman that are tuning in what's the best way for them to monetize their content on Facebook a couple of things in terms of leveraging our family of apps one I think obviously one of the big causes is the massive scale and and and reach of the platforms so for any entrepreneur it is helpful for them in terms of discovering new markets whether those markets exist in India or around the world I think the second is clarity about product market fit I think one of the power of really the superpower of Facebook is it is possible to identify particular consumer groups who may have affinity to a proposition that you have I think just having that clarity of understanding of what that Pitters will allow them to leverage the power of the platform's quite well so you know on Google there's a search engine optimization or SEO this Facebook have a similar algorithm that you know the entrepreneurs businesses startups can leverage you know absolute and frankly I mean that may well be a longer conversation than Tara because one of the power of the platformers and and we see that every day in terms of the kind of small businesses one person-to-person entrepreneurs who are coming to Facebook or Instagram for the first time and and finding a way to grow their businesses from zero to very material numbers dramatically and I think a lot of the power is they find it easy to use these two apps they've they find that there are enough toolkits on both these surfaces that they're able to quickly understand easily and start leveraging them so you know for us a lot of our focus has been really on how can we be an ally for small entrepreneurs and small businesses who may not have support from large agencies and I think a lot of our success in the last few years has been because we have we have made it a big part of our mission to help small entrepreneurs become successful so do they reach out directly to let's say Facebook or Instagram they're able to they're able to find answers on on Facebook and Instagram itself and there are opportunities for them to reach out to us or work through agencies as well but we have made it really easy for businesses to quickly discover how to leverage our platforms and and grow overnight almost you know we read about this a lot the data also shows it kids don't like Facebook anymore they're more on Instagram their first preference is on to be on Instagram whatsapp of course popular across all age groups I know in the end may not matter because Mark Zuckerberg is a promoter of our companies whatever to talk about Facebook and the fact that in India we talk so much about that demographic dividend it can't be good for business I think it's a good question I'm Tara and and also because I guess there are there are some narratives in terms of the relevance of Facebook to young demographics I think the reality in Nayanthara that we see in India is Facebook app is is growing dramatically across geographies and across age demographics at the same time we are excited by the growth of Instagram including in India where it has grown really well over the last few months and years so we do believe that both the apps play different roles but I do have to tell you that what we see from the inside is that growth is happening over the last three years as more and more people have come online in India growth is happening both on Facebook and Instagram quite materially and amongst all age groups and amongst all geographies and even beyond the metros in the large cities so are you saying that all these platforms are growing equally there's not one that's going faster I think you know it's a conversation for later ninth era but I have to tell you both are growing really fast both are growing really fast yeah another question that we get asked a lot from our viewers right – an 80 now so I want to ask the Facebook in their top boss about this what works better is it video is it text is it a right mix of the two what's the best way to get eyeballs I think you know some of these you know our questions for which the answers of multiple layers Nayanthara but clearly I think what we see on our own family of apps and and and my experience over the last few years is with a lot of people who are coming onto the internet for the first time they are they're they're they're expressive on multiple fronts they're they're using messages in a private setting like whatsapp stories on Facebook and Instagram are exploding including amongst the younger demographics and and you know video obviously is playing a very material role in India both on the entertainment front as well as on the learning front I think that's what makes this market quite exciting I don't think the growth is happening on on anyone I think the growth is exploding across multiple formats I think the common driver is that as as a lot of people come onto the internet for the first time and beyond the large cities I think all of them are finding ways to express whether that's to through text or a format like a story or through video and and equally they are consuming each of these three formats quite materially as well so I think we are quite delighted that we are quite in the middle of the action of all the things valuable tips coming into the top boss of Facebook in there Ajith I gotta ask you this also how exactly will Facebook support me show for example with Facebook have representatives on the board of Micheaux will take me show global what exactly is the plan no that's a great question of we are not going to be on the board the idea is the the financial investment itself is the is the first act of of support but clearly you know that opens the door to conversations between me show and us to explore where we can be helpful where we can be supportive but equally some of those answers that we discover will be open for other ventures as well we don't see this as in any way being privileged only for one company we'll do what we can to support me so including with the with the equity investment we announced today but we'll find ways to support them in other ways and and will leverage those learnings to support other companies like yourself and how many other starters are you talking to her you will share that with us I think the question that you asked me in the beginning I think what is the lens that we applied which I described to you and I think that's a lens that we're going to use to explore opportunities as they come nayanthara we believe we have we have a potential for creating more impact and and we'll kind of double up and when an opportunity comes up okay without Ag thank you so much for joining us here on startup central it's our first episode of the revamp show ladies and gentlemen the top boss of Facebook in there only on startup central not just talking about the first ever investment in a Indian startup but also for all of you valuable tips on how you can leverage all the platform's the best possible way with that we're gonna take a shot commercial break but stay tuned remember by the way you can always send us your comments on our social media platforms like Facebook but even Twitter having said that we're taking this short commercial break up but stay tuned we got a lot lined up on the other side welcome back you're watching the brand-new startup central coming to you every weekday from 6 to 7 p.m. I'm Nessa Elroy before we go any further here's a quick alert you can stay in touch with us you can email us this is the email address you can also get on to Twitter log on to Twitter and this is the Twitter handle that you can reach me at and send me your views your comments interesting things but you would like to see on the show things that you would like feature stay in touch with us so that's of course very very important I'm going to now head to the United States very recently we saw Walmart hold its annual general meeting Tina was present at that AGM a crucial one you know after India introduced new e-commerce rules which of course is bad news for Walmart and a 16 billion dollar acquisition of Flipkart having said that the Bentonville headquarter the retail giant is still very very bullish when it comes to India my colleague Raoul the Amma was there at the Annual General Meeting and he also thought that it's a good idea to go and see how Walmart is staying ahead of the curve obviously with technology and synchrony with its consumers but at its stores you're seeing new kinds of technology being deployed and while Jeffrey sauce and Amazon are thinking about delivering goods with Jones Walmart has a very different idea it's gonna be using driverless cars driverless cars that will drive to your doorstep with the delivery that you ordered ever wondered what a Walmart store in the u.s. looks like what really drives them there the largest retailer with about 5700 stores in the US alone they're also present in 27 countries when I hopped into a Walmart store to give you a sense of what the store is for the magnitude of this Taurus please take a look at this um all we want in an opportunity in terms of an opportunity in India is a level playing field and we think that we have historically and will continue to make the case that Walmart being part of India is positive for the people of India we have been and want to in a larger way help farmers we want to help serve kuranes Flipkart and phone pay give us an opportunity to do that and so all we ask is that it be a level playing field between domestic and foreign operators and we'll all compete and the customer in the end will win but we can help the other stakeholders along the way you know I think one Walmart I mean I just was blessed and ended up getting some exposure to this company at a very young age and got to do all these different jobs and I'm not done yet and got to meet a lot of people so I run into people inside our company all the time that I worked with 10 years ago 15 years ago and we kind of we know each other well more it's a big company but sometimes it doesn't feel like it it still feels in some ways small and we know each other on the issue of what keeps me up at night honestly nothing I'm jet lag was really the only thing that comes to mind that impacts my sleep beyond that an answer would be speed I think as a company we've got to move faster and the world is not going to slow down and wait for us and it's not going to operate more slowly in a year or three years than it does now I was talking to our former CEO David glass on the phone a couple of days ago and David said what he's been saying to me frequently I don't know how you guys do it like it's so much more complex and it's so much faster than it used to be and my response was I bet you I'm saying that to the person that follows me and the person that follows them because that's how this is going to go and so you just learn to adapt and and move with it now as it relates to India we are really excited about that country you know I've been going there for years our cash-and-carry business is something we're proud of we source a lot of product out of India we employ a lot of people there that do shared service and Walmart labs technology work for us and the country's so diverse and fascinating that I just enjoy going there and want to have a business that helps people in that country that's you can hopefully see the the authentic caring aspects of our culture and we like to make a difference so I would like for farmers and India to make more money I would like for the supply chain to work for them and reduce waste and help people that are on the receiving end of all that fresh product we would like to invest more as I mentioned earlier we just want a level playing field so we can just give us fair and consistent rules just like everyone else and we'll operate within those rules and do a good job to try and deliver for the business as well as for the other stakeholders but that's what we do in every country that's what we want to do here and I'm here the Samsung store in Bentonville and it's a massive store by the local freighter I only membership cards are issued to people largely vendors targeting businesses but even if a customer does want to shop here the prices are great up to a 50% discount on products but even a customer who walks and can get today's card and sort of shop here the interesting thing about the store is remember while retail is at the heart of it there's a lot of tech really driving it so you have data analytics to sort of predict consumer demand the goods that are on display so technology sort of changing the way retail is really done and there's a lot that we can also take back home hi thank you so much Andy for taking and what I really loved was the fact that there's computer vision now that can help you check-in checkout and walk out of the store without dealing with people can tell us how it works absolutely so we've built an application with computer vision technology to make the scanning process incredibly easy we could reduce the scanning time from down by 70% from finding a barcode versus using computer vision so let me show you how it works this is our existing scan and go app it's a prototype however that has computer vision built into it so you can see I added the capri-sun the bananas look at how fast it is to scan and and and the fact is you don't have to scan the barcode anymore it's it's computer version at play helping you you know scan the products and check out to me lately the basket that's heavy I could just point the camera at it and I could scan it for our members you know water is heavy yeah so if you have back problems if you have a disability that's hard so I do I also get to check out beyond us and leave yes absolutely so you could go to your cart and you could check out and slide to pay and you're done you go to the exit you just show them show them the fact that you're done you show them the barcode at the exit the exit greeter will scan that and you're you're out you're done so this is something that that is in the pilot phase and will sort of be across Sam Scott store here in the US yes you could use the barcode scanning in our existing scanning go in any Sam's Club in the United States computer vision we're gonna start testing that in our Dallas Innovation Club and we'll be rolling it out from there what else is under your sleeves yeah as far as technology I'm not gonna share those secrets with you but we're about innovation and we're about creating a great experience for our members and we get to do both and you're gonna see us do a lot more in the coming months okay Andy thanks so much thank you so much thanks so this is an interesting technology at place to sort of change retail it's about the lodge cues all of that being done away with and this is Sam's Club you know powered by Walmart that is sort of real massage in retail because remember they've been around for so many years but the challenge right now is the traditional retailers face owing to the onslaught of Technology and online players and this is how they stay relevant the massive scale and scope of things here at Sam's Club in bentonville driverless cars vision sensors it's all happening I want to know how quickly all of that will come to India will we see it with flip card or what but stay tuned to star central we'll be back same time tomorrow May thanks for tuning in you

I'm Scared To Start Investing.



thanks for joining us America this is the Dave Ramsey show talking to bow in Orlando he's a custom home builder after the last downturn he decided to hoard cash and he did a good job of it he's got four hundred fifteen thousand cent in cash is that a fair summary of what you told me so far sir yes sir it is I don't need a little kick in the pants to move this one way or the other because it's not doing anybody any good where it's at yeah it's costing about 40,000 a year not having it in something that's pretty substantial so yeah probably needs to be in something but the trick is you know what you want to do with it what's your long-term plan for that money well you know I grew up in a family I've been very blessed to have essentially the same principles you've teach you know you're you're remarkable you do such a good service for those out there and I really been unable to keep my whole lifestyle out of debt I've got two young children a wonderful wife who is ingrained in our company as well and knowing you know how cash got me through the difficult times I'm just I'm almost paralyzed to pay off the rest of my debt in my personal house because now I know I'm depleting those funds and then of course taking the rest of those funds and putting them into some kind of investment I do have other investments but again going through such a horrible time it almost made me paralyzed to do anything you're risk-averse because I would I don't blame you so how much do you owe on your home ninety-three thousand okay that's kind of a no-brainer I mean I still leave you 300 grand you write that young today yeah I'll be done with that and that's your last debt that's it nothing else you know you are payments I'm kind of stuck in baby step 7 yeah not anymore by the end of day you're debt-free just write that check ninety-three thousand out of 415 I mean you're still sitting there were three hundred and some thousand dollars I you know and if you don't like me in debt for you can go get you a mortgage later okay you're gonna love it you're gonna you're gonna go I wish I'd done that years ago okay because it's something which is gonna flip inside of you that you're gonna go wow that feels good okay now then what to do with that other 300,000 so what is your household income what do you guys make a year net profit taxable income well that's kind of the profit it's very cyclical it just goes very drastic what isn't what here will be approximately 200,000 this year the year afterwards might be a hundred thousand come and let's say that let's say that just I want a fund of cash that I'm not gonna make any money on it's just there to make me feel good about yeah cyclical right how much does that fund need to be a hundred grand that's what I was thinking exactly that number okay that's pretty rich for an emergency fund but you're in a very volatile business agreed and you've been stung a couple times and so you're just what you're saying is is that the money I would have made on that hundred thousand I'm willing to give up just to have it sitting there to make me feel good correct I'm gonna give up approximately ten thousand dollars a year because it's just gonna sit there that's okay by the way that's okay I don't I don't just like that plan at all mm-hmm okay so let's set a hundred let's pay off the house let's set a hundred aside for that so now we still got two hundred left what are we gonna do with that well that's where you know here we are the markets done so great you know we're seeing a lot of swings and you know I I've kind of gotten to this mental state of I don't want to give any of it back so when I go into something that's more of a growth stock mutual fund or more of a conservative mindset but you know still making money but still kind of there or am I just being too conservative you know what I think you would do I think you got some dirt I'd love to do that my my my entrepreneurial spirit is just bubbling inside right now that's that's kind of what I want to do but I just don't want to put my family you're not risk because they're nice they're not you're under 100% debt free of $100,000 in the bank you're fine you make 200 a year or a hundred a year you're all right why is it so difficult to get over this hurdle it's not it's July it's well because you've been burned I mean and that just that's the human nature you're some you would be an unwise rash immature person if you weren't having these feelings what with the volatility you've been through in the business yeah it's tough you know if you crash your car into the wall the next time you get in the car drive it it's it so you know you worried about it in the wall you know so it's just normal but here's the thing if you go buy some paid for dirt no no mortgages just go buy a piece of dirt somewhere that maybe someday you put some houses on or maybe you just want to own some dirt to hold the world together or maybe you buy a little rental house for 200 grand or something in the Orlando market and it makes you a little money that's okay but listen you're gonna do better because of your knowledge of real estate and building you're going to do better in real estate than you are in emotionally and financially both you're gonna do better there than you are playing in mutual funds well that's what my my financial adviser kind of wants to get that two hundred thousand and I I try to be as respectful as possible in that I believe in his profession I trust in what he's doing but I feel like through my experience and what I have done over the course of my 44 years I'm I can make it grow quicker but you stay home with a lot more risk no it doesn't come with a lot more risk because you're gonna pay cash for whatever you do and you're not gonna be in a hurry and you know we're gonna whatever we whatever we spend this 200 grand on it's not 200 down payment it's and we're gonna buy something and own it and you will make more on that because you know what you're doing in that world real estate is are much more from an economics class if you took an econ class there's a thing called a perfect market or an imperfect market more perfect the market the more everyone has access to it and the less deals there are real estate is a very imperfect market meaning that that meaning that there are deals and you guys like you and me that know the real estate world man I bought so much stuff my net worth tripled in 2008 because I was buying real estate I mean I'm buying four million-dollar buildings four million bucks yeah but not everybody knows how to do that but I grew up in that business and so man I was it was it was kicking it was a fun time and you could be so great being yes that heavy yes I don't wanna say cash-poor but just you're not terrible yeah what I'm having a problem getting over that thought process I'm so used to seeing such a big amount in my my bank account and I know for some of the listeners they might be saying well but if is not enough raise the hundred I don't care yeah but but but establish a number that beyond that you quit wasting the money and you start investing it yes give yourself some kind of an emotional baseline where you say if it's not a hundred it's a hundred and fifty I don't care if it's two hundred two and it sends rich to me but I think a hundred is plenty personally just talking to you but establish that baseline and then pass that say I'm gonna put the next batch into real estate and I may do the next batch into mutual funds yeah next time you get your hands on one hundred you may call your advisor and drop that into Mutual's I don't care I haven't I like having a mix of the two personally some people don't like real estate some people don't like mutual funds that's okay you do any of those you want to do I'm fine all the way around but that's the idea you just got to give yourself some checks and balances with some guidelines that you just self established you and your wife talk about it you pray through it you go okay this is how much I need to feel good and it past that I'm gonna force myself to invest it because past that I'm just being chicken and there's a difference between being risk averse and being chicken you did so good man well done

LEGENDS OF INVESTING: THE STORY OF CARL ICAHN



carl icahn is one of the most recognizable and successful investors in the world having far outperformed markets on an annualized basis since 1968 as a raids which by some measures has him ahead of warren buffett though his corporate raider or activist approach to investing has proven to be controversial at times with Icahn being no stranger to the glare of the world's financial media his involvement in companies has still resulted in a boost for shareholders more often than not leading to the so called Icahn effect in stock prices whenever he announces a position whether you love him or hate him the man Time magazine called the master of the universe and the most important investor in America is definitely someone to be respected and studied this is his story Carl Icahn was born on a 16th of February 1936 in Queens New York it was a beach neighborhood and a poor area his mother was a pianist but dropped her dreams of pursuing it as a career and instead chose a more stable job as a schoolteacher his father also became a substitute teacher as well as you may expect with both parents being involved in education Carl was extremely studious at high school he didn't involve himself in many activities such as sports and clubs instead he had set himself the big goal of making it to an Ivy League university something most people in his area had no chance of doing his teacher didn't even think it was worth him a plane but this made him even more determined to be different he had a mindset that he wants to be the best at everything his parents says there was only pay for university if he managed to get into one of the top Ivy League universities although no one thought he stood a chance he did manage to enroll at Princeton University and studies philosophy as his major my father said you know son I'm thinking about you and I'm not gonna go back on my word I'd rather you go to Queens College you know cuz Queens was free but if you sister going to Princeton we decided we'll pay the tuition I said great thanks dad I really appreciate it but not the room and boy says what wait a minute well how do I live Hawaii he said you're a smart kid I've watched you you'll figure it out so to fund this Carl Coe himself a summer job at a club in his neighborhood whilst he was there he learned how to play poker and joins in the games regularly he says at the start he didn't even know how to play but then he read three poker books in two weeks and became the best player they're taking home huge winnings every summer he says to me it was a big game big stakes every summer I won about $2,000 which was like fifty thousand dollars back in the 50s just like in high school at Princeton Icahn wasn't interested in any extracurricular activities or socializing instead he'd spent the majority of his time in his room or at the library reading books and studying philosophy only occasionally getting involved in games of chess or a bit of volleyball he was basically described as a nerd and didn't once participate in much he just wanted to spend more time broadening his mind and taking his thoughts to another level at university he won an award for his thesis an explication of the empiricist criterion of meaning and has always said that his study of philosophy had a massive effect on him and the way he built his way up to where he is today he said empiricism says knowledge is based on observation and experience not feelings in a funny way studying 20th century philosophy trains your mind for takeovers there's a strategy behind everything everything fits thinking this way told me to compete in many things not only takeovers but chess and arbitrage he graduated from Winston in 1957 earning himself a degree in philosophy and then moved on to medical school at the New York University School of Medicine he attended because it's what his mum wants him to do but after two years he decided to leave as he realized he just wasn't interested in it he said to CNN in an interview one of the greatest things I did for the human race was not to become a doctor ironically a medical school was named after him in 2012 after dropping out of medical school I can still had no idea what he wants to do with his life he went to the Army for a little while and then decided to get in touch with his uncle who worked on Wall Street he managed to secure a job as a stockbroker for Dreyfuss & Co in 1961 at this time the markets were in a strong bull market but were soon to experience a crash it was at this point that Icahn realized the best choice for him would be to focus on the options market he began working for Tesla Patrick & Co in 1963 as an options manager and then went on to gruntal & Co the following year where he took over the options department a few years later in 1968 I can't decide there was time to start up in his own and approached his uncle again for support his uncle lent him the money to buy a seat on the New York Stock Exchange for $400,000 and that year he formed icon & Co the company mainly specialized in options trading as well as risk arbitrage I can't encoded very well and Icahn claims they started to make 1.5 million to 2 million dollars per year although there are no public records to state how much they earned is thought that they were worth over 100 million dollars by the 1980s although Icahn made significant returns in options trading and risk arbitrage it was his role as a corporate raider or activist investor that really earned him his reputation and extreme levels of wealth this began in 1978 when icon starts to take large positions in single companies to have more control a corporate raid is when a trader buys a large amount of shares therefore gaining more rights within the company including voting rights which enables them to push specific changes which could then increase the share prices they may also push to change the Board of Directors or management leading to them being able to influence other major changes such as corporate takeovers or stock sales the first company he did this with was Tappin & Co I can't bought a huge number of shares in the company so large that the company owner dick Tappan called him personally however Icahn was demanding a seat on the board and was very persistent in this request eventually out of fear that Icahn would take over the company and sell parts off the owner of Tappan & Co found another buyer although this was not an absolute defeat for Icahn since his original investment made around 2.7 million dollars Icahn gained a reputation as a corporate raider and for his hostile takeovers with people criticizing his approach of bullying his way to company takeovers many city executives came to dislike him with 1 M&A chief saying Carl's dream in life is to have the only fire truck in town then when your house is in flames he could hold you up for every penny you have he continued to take over more companies in the late 1970's and early 1980s and in 1985 he attempted to take over Phillips Petroleum however the board used the poison pill to stop the takeover a poison pill was a tactic used by companies to prevent a hostile takeover from taking place these are usually provisions the board agrees to which makes the acquisition of shares less desirable in this case Icahn sold his shares back to the company earning 50 million dollars in the process one of the biggest and most public takeovers was of Transworld airlines TWA later that same year I can't bought a large stake in the company he knew they were not doing well so he knew he could get them for cheaper as the company was in debt of 1 billion dollars TWA tried everything they could stop him from buying more shares and taking over the company even searching for another airline to acquire them however I can't succeed it and took over the company for 800 million dollars and making himself CEO in the process as expected this move wasn't just plain sailing as the company wasn't actually doing very well Icahn had already sold off assets to pay back the money he borrowed to buy into the company and in 1988 he took the airline private the company declared bankruptcy in 1991 after selling half its Lunden routes to another airline and I can't resigned as chairman Icahn continued by large amounts of shares in companies in an attempt to take over the companies some of them were proved to be successful and some unsuccessful such his attempts on US Steel and Texaco he didn't manage to take over either of those companies but he still made huge profits through the process his approach to investing is to always look for companies that are trading below their value and to invest in them in many cases there will be some changes that need to be made to ensure their future success this sware Icahn has earned his title as an activist investor as an activist investor uses their stake in a company to apply pressure to management to enact changes in many cases this will involve a change in the top management and Icahn has been very vocal in complaining about the state of management around the world today and believes changes in management can often be the key to success although this activist approach is not achievable from any smaller or private investors there are still some key lessons for all investors in order to emulate icons approach to a certain extent this falls into two very key criteria you should look for companies that are potential value plays in other words they are not trading at their current or potential value and then the company must have good management that is working on behalf of shareholders neither of these points are straightforward at all to achieve but certain companies will come along that stand out above all others particularly due to their management icon typically goes long in equities and The Motley Fool found that his typical holding period is no more than 18 months therefore making him more of a short-term minded investor or trader rather than a long-term holder he also likes to be very focused on his opportunities with more than 50% of his portfolio comprising of just three stocks at certain points in time although this does make him very exposed to the stock market and particular stocks he does also claimed to be hedged when there are times of uncertainty in recent years he's announced in interviews that he was heavily hedged in his portfolio against the downturn with the use of derivatives at times yeah I'm really hurt so what are you and your hedge on the index yeah yeah make it a good point it's it's difficult to really do a great job had you because we got these long positions and I tell you there's ways to hedge and this is will you do these derivatives although he finds the difficult hedge against certain stocks such as Apple which he actually no longer has a holding in instead with companies like that he assumes that they will weather the storm and will actually take a downturn as a buying opportunity instead to acquire more stock at a lower price i with Apple you can't really hedge it that much but I feel so secure with Apple you know maybe I uh but not gonna be wrong that if it goes down I just buy more so I don't worry it's clear from interviews that although Icahn is focused on individual equities he does keep a close view on the macro environment and key significant variables from other asset classes in 2004 iconst us the new firm called icon partners he did this through investors and managed to raise three billion dollars by 2007 the fund was worth five billion dollars he bought a large amounts of shares in big companies like Blockbuster Video and also threatened proxy fights with companies in order to get what he wanted one example of this was when Milan laboratory's was in the process of acquiring King pharmaceuticals Icahn bought a large amount of shares and threatened a proxy fight until Milan laboratory's back down the 2008 financial crisis meant that icon had to sell a lot of his shares including those of Blockbuster Video a huge loss of 180 million dollars he went on to return money to investors in 2011 in recent years Icahn has made the headlines in a few different cases in 2012 he attempted to acquire a large stake in Netflix which deterred him through the use of a poison pill although he still made 1.9 billion dollars on his holding he had a holding in Apple which eventually reached nearly 5 billion dollars which he sold in 2016 and a notable rivalry with another activist investor Bill Ackman led to Icahn taking a large stake in Herbalife to oppose Ackman's famous short sale this led to an ongoing fuse that made the financial headlines for a number of years although the two have supposedly called a truce and more recently Icahn was hired and subsequently stepped down as a special adviser to President Trump on regulatory reform at the time of releasing this video Icahn has a net worth of nearly 17 billion dollars although he claims not to have the time to spend it he has been involved in many charitable initiatives do you live a glamorous life I say no absolutely not Yael says they have little time to enjoy the money he's made so how do they spend their money more and more on philanthropy like building this track-and-field Stadium for the schoolchildren of New York City and building to charter schools and poor neighborhoods in the Bronx it's clear that very few invest does have or ever will reach the level of success that Carl Icahn has achieved with his unique and intense approach to investing and although most people can't take his blueprint for success and apply it directly due to a lack of capital it is still possible to take the key points from his investment philosophy as outlined in this video and to use it to enhance the way that you assess investments if you like this video you may want to check out our previous episode on the famous trader Paul Tudor Jones hit the thumbs up button if you're enjoying the series and would like to see more legends of trading and investing and don't forget to subscribe so you don't miss any of them in the future thanks a lot for watching take care

HOW TO INVEST $1000 📈 Investing Your First 1000 Dollars



so this seems to be a popular topic on YouTube I've seen a lot of other people talking about this and I kind of thought it would be interesting to give you guys my two cents on this so this is basically how to invest $1,000 I have like the four places that if I was starting off and maybe I was 18 years old let's say that I had saved up a thousand dollars from working summer jobs and I was looking to get into some kind of investment you know I have some extra money around here's what I would do with your money and some of these answers might be kind of I don't know oh I know all I can say is this is not what I would have wanted to hear when I was 18 years old and the primary reason is because a lot of people have this idea in their head that they can just go invest in a stock and they can make you know ten times their money or a hundred times their money in a short term period and unfortunately there's a lot of very deceitful people out there in the realm of stock market trading and a lot of people are pushing people towards like penny stocks and stuff like that and those are just not realistic returns to expect from the stock market and I wouldn't recommend ever going into an investment in like a penny stock or anything like that because those are four very experienced investors who are comfortable with a substantial amount of risk so just I wanted to throw that out there at first if you guys are like thinking about buying a stock do not buy a penny stock and I'm going to be doing a video soon really going in-depth about penny stocks and the reasons why you should avoid them like the plague personally I've never invested in the penny stock and I probably never will I do talk about them on this channel sometimes just because it's a popular financial topic and I kind of studied the trends on YouTube and I see what people are searching for and I make videos a lot of the times based off of search trends so I do talk about them just to educate people but personally I don't invest in them and I really don't advise most people to either so before you want to start investing there's a couple things I recommend that you do the first one is pay off any high interest debt that you have so let's say you have like a credit card and you're paying I know personally on my Discover card my interest rate is like 19% a year I never carry a balance on it but let's say for example I had credit card and every year I was paying 19% interest on that you are not going to invest your money in anything that's going to give you better than a 19% return so pay off any high interest debt that you have before you even consider investing in any form even as little as $1,000 because odds are that you're never going to find an investment that's going to make you more than what you're paying an interest now the one thing that I will say though like let's say you have a car loan so for example I have a loan on one of my cars and I pay like two point five percent interest it might even be less than that is pretty low so I don't pay I didn't pay my car loan off before I started investing in stocks and mutual funds and other things like that because I'm confident that I can be a two and a half percent rate of return per year so I know that paying off that car is not going to be better for me than making my you know making a little bit more money an interest off of an investment so that's the one thing I would say if you have like a car loan or maybe very low interest student loans maybe that's something that you could say okay I can invest well paying those down each month but if you have high interest credit card debt definitely do not invest until you have that paid down second thing you want to do is you want to make sure that you've built up a six month emergency fund this is a mistake that I made when I first started investing as I had put all the money I had into stocks and I ended up decided to buy a car and I've talked about the story before didn't consider the fact that I had to pay taxes and DMV fees on that vehicle and I did not have the money in my bank account to pay for that so I had to take money out of the stocks that I was investing in at the time and luckily I wasn't down on the stocks but if you were down on your investments and you had to sell because you needed the money that's a very bad position to be in so I would not recommend investing money without having a six month emergency fund built up and the other thing to consider as well as any unforeseen expenses the biggest one for me that I see is car repairs so last August I had to spend over $2,000 on my car out of nowhere and if you don't have the money to cover that expense you could be stuck in a position where again you'd have to liquidate your assets whether or not they were up or whether you were in a bad market you were forced to sell you never want to be in a position where you're forced to sell so do not invest money in stocks or any kind of investment until you have a cushion built up for those unforeseen expenses and for emergency expenses as well the advantage to investing early is that it's going to allow you to take advantage of compounding over time so thus the earlier you start and the longer you give that money to grow the more it will grow based off of compounding where the interest you're earning or its interest over time so let's say you had a dividend stock the dividends that you earn if you reinvest those in the stock itself buying more shares you can take advantage of compounding and those dividends will also earn dividends over time so the longer obviously that you'd let that happen the more money you will grow to have over time so the earlier you start the better it is the other good thing to like let's say you're somebody like me at that age when I was eighteen nineteen that's when I first started like reading about the stock market and getting into stocks and I didn't invest until I was in my 20s but that was when I first started researching about it and educating myself because I was always fascinated by it the good news about that guy's is if you really want to get involved in the stock market this is the time to do it because you have the most risk absorption at this time so you're not going to be like worried about in the most cases you know paying for your mortgage paying for a family paying for kids and stuff like that when you're you know maybe you're in my position where you're still living at home or you're maybe you're renting somewhere you don't have a kid yet you don't have any crazy expenses this is the time to do that because you have some more absorption for risk and you have more time in your life to basically save up money and dig yourself out of a hole let's say if you ended up losing money so this is when you have the most risk absorption and then the other thing I already talked about this already don't expect to pick a stock that makes you ten thousand or a hundred thousand dollars in a short term now if you invested and you left that for forty five fifty years yeah you could probably have ten thousand or a hundred thousand dollars based on what you're investing in because you gave it so much time to grow but if you were trying to make a thousand dollars in six months or if you were trying to take a thousand dollars and go 10x in the next year or five years that's very unlikely so don't have that kind of expectation in your mind because that's not a realistic market return anyways so these are the four things I would do if I were to invest $1,000 the first thing number one this is actually the first thing that I did when I invested was invest in index funds or mutual funds I decided to invest in mutual funds but basically you want to invest in a low fee index fund or mutual funds so make sure you're shopping around and considering how much the action the fees are associate with that mutual fund to make sure it's worthwhile for you so what is an index fund what is a mutual fund an index fund is basically a blend of stocks that provide broad market exposure so you pick an index you like maybe you like the semiconductor industry if you like the oil industry maybe you like retail what you do is you invest in an index which gives you broad exposure to many stocks within the industry and the advantage to that is you're highly diversified so if any one company goes down the other companies within that blend of stocks would offset that loss whereas if you invested in one individual company and the index as a whole I'll perform that stock or that stock did terrible and everybody else did fine because that kinda that stock had bad company news going on about it or something happened within them you're not going to be affected by that if you're in a index fund of many stocks but if you're invested in just one stock you have that risk and then a mutual fund is basically a professionally managed investment program in diversified Holdings so basically you're paying somebody a fee out of your investment to basically they're managing the money they're allocating the money and moving stuff around and you're not even doing anything so you're basically paying for professional management of your money and the idea is many people collectively pool their money into a large fund and that fund itself is managed by the money managers and everybody associated with that mutual fund so here's an interesting fact to point out to you guys just if you're considering investing in individual stocks and I'm sure as you guys know if you've watched my videos I invested in it in individual stocks of myself so I'm not saying that they're bad but this is just something to consider from 1997 to 2012 the all index portfolios so those are portfolios that are working of all index funds outperformed actively managed funds by 880 3.4 percent of the time so eighty three point four percent of the time the professional stock pickers did not outperform index funds where they were just brought exposure to the whole index or the whole industry so that's just something to consider is the professional stock pickers can't beat the index funds eighty three point four percent of the time so as a beginner stock market trader your odds are against you but here's the thing that I don't like about mutual funds and index funds is that they're extremely boring there's little involvement on your part and there's little to learn because it's kind of a set and forget a type investment so you basically invest in your mutual fund and then you just forget that you even have it and then thirty four years later you will put it up and go oh look at that I have a lot of money that's basically mutual funds in a nutshell there's not a lot to learn about them I mean you can decide what fund you want to invest in maybe you're looking for a global fund or just one on certain markets or whatever you're looking to invest in but besides that there's really not a lot to learn and there's no real involvement on your part with them so that's the disadvantages if you're trying to learn about the stock market you're not going to learn a ton by investing in mutual funds because there's just not a lot to learn it's a very passive investment strategy so I do have money in mutual funds but I also do the individual stocks too because I like learning and I like being active with my investments also having some passes but some active investments in just a couple of examples of places you could get mutual funds probably the number one is Vanguard number two is probably Franklin Templeton that's where I have my mutual funds and then these two are kind of new betterment and wealthfront they're considered Robo advisories or Robo advisor services where they basically have basically computer programs automatically adjusting trades and doing the management based on computers and the idea with that is less human involvement means lower Commission cost so it's a cheaper investment strategy personally I will have any money with betterment or wealthfront at some point I do want to look into that though just out of curiosity okay so number two so we like we said the first thing I would do is invest in some you jewelle funds but if you want to learn more and you really want to learn about the stock market your best bet is to invest in stocks so stock picking shouldn't be your primary investment strategy it's not mine and unless you're really this is what you want to do full-time you want to be learning as much as you can about stocks and studying them day in and day out maybe you'll have a lot more money stocks but most people set aside a percentage of their portfolio towards individual stocks for me it's less than less than 25 percent of my entire portfolio is in individual stocks that's probably a healthy amount I don't think you'd want to have much more than that but like if you're younger and you're looking to learn about the stock market investing in individual stocks isn't a bad idea so what I would recommend that you do is pick one company that you really like don't worry so much about what the stock is doing right now because you're looking at a long term investment you're looking to buy a stock you're looking to hold it for a long time and kind of learn about studying company fundamentals and looking at charts and checking your stock and keeping track of how much money you're making and looking at dividends you're not looking for a short term investment at this time in your life so I would recommend take a company that you really like maybe you're into wrestling and you want to invest in WWE maybe you really like Disney maybe you like coca-cola or maybe McDonald's whatever it is maybe you really like apple pick a company that you really like and invest in that company now if you're not partial to any certain company what I would recommend is look for a well-established company that pays a dividend so find a nice dividend stock for a long term investment because that's where you can take advantage of that compounding so over 23 years if you're reinvesting your dividends you're gonna have a lot of time for your money to compound so that would be what I'd recommend as well now this is a huge question I get all the time people are like okay so if I'm investing a thousand dollars should I buy ten different stocks and my answer to that is no I would buy at most two different stocks five hundred dollars in each stock that is because there are Commission costs associated with your investments so for me I personally trade the Scottrade and it's $7 per trade so when I buy a stock I pay $7 when I sell a stock I pay $7 so let's say for example you put a hundred dollars into a stock okay when you bought that stock you paid seven bucks and then when you sold it you paid another seven so there's 14 dollars or 14% of the total value of what you have invested out the door right there so in order to make your money back on that investment the stock has to come up 14% in value just for you to break even so for that reason I recommend having enough skin in the game that you can offset your Commission costs so I would say if you're investing a thousand dollars at most pick two companies and do five hundred dollars in each I don't personally recommend that anybody invests less than five hundred dollars in a stock unless you're investing in some other form that were you're not paying Commission I don't know there's a lot of there's a lot of investment and there's a lot of stock brokers out there and they all have different features and stuff I don't know I just use Scottrade out of convenience but I know a lot of people have reached out to me and talked to me about like low Commission trading and I don't know if you guys know all the way you can invest without paying Commission you know more power to you but if you're paying Commission on your investments consider that you need enough skin in the game to offset your commission okay number four oh I'm sorry we're on the number three that's why I've screwed up number three this is my favorite way to invest $1,000 and this is like what I recommend that you guys do above all else invest in a side hustle so start your own business this is the type of investment where you could see a 10x or 100x return is when you're investing in an actual business yourself so I wanted to just give you guys a couple of examples of things you could start for under $1,000 or for $1,000 total number one start a YouTube channel so I started a YouTube channel I spent less than a thousand dollars to get started you know what a decent camera bought some lighting bought a whiteboard some markers and over time now I'm upgrading stuff and kind of improving things but at first it was very cheap to get this started and if you have something that you're super passionate about for me it's you know the stock market as well as nutrition and fitness and just overall well-being that's kind of what what I'm passionate about is like personal development and just I've always liked teaching people so for me that's like what I enjoy doing I was able to turn my passion into a little side business that actually does make a little bit of money here with the ad revenue on the channel so start a YouTube channel I'll start a photography business if you really like photography invest in a good camera and start doing like wedding photography something like that you could do face painting this was interesting too maybe you get all the supplies needed to do face painting and you start doing kids parties on the weekends maybe you want to go be a clown buy a professional clown outfit and do that I mean I know this sounds kind of silly but you can make money doing this stuff guys invest in the resources needed to start a blog so this is probably one of the cheapest ways because all you got to pay for is basically you know website hosting and stuff like that and that's pretty inexpensive maybe some graphic design but start blogging about stuff that you're passionate about if you're self-conscious about getting in front of the camera that's an option – another one the ebay reseller so go around to on Craigslist or go to garage sales and buy stuff that you can resell on eBay for a profit that's a popular way to make money to start a landscaping business if you want to if you really want to be working outdoors you know start a side business doing landscaping that's an option too and then any kind of consulting so start a consulting business or a tutoring business so if you're really good at something people will pay you for your advice and set up some kind of platform where you can find customers or find clients and do consulting for them and then what I would recommend is commit all revenue from that side business to the purchase of income producing assets because that is what you call a cycle of wealth so all the money that you're making will then make you more money that's probably the best thing I would do if you guys are looking to if you're not afraid to work and put the work in invest in a side hustle start a little side business number four is investing in yourself so this would be improving your skill set to maybe earn more money at your job it could also mean learning a skill that you can teach others so that kind of ties in to starting a side hustle maybe you spend a thousand dollars taking courses yourself and learning as much as you can about a certain topic and then you turn around and you can do consultations with others or you start a youtube channel educating people about that so that's something else you could do or you could just take that money and learn much as you can about money money management and personal finances so that way in the future you have a skill set that will help you earn more money in the future but anyway guys that's pretty much all I got for this video this would be the four places that I'd recommend investing a thousand dollars number one I would say being investing in your own side business this is the best thing to do number two probably investing in a mutual fund I know I had these just kind of an order here that's not the order of like what I would do these in but you know if you want to learn a little bit more about investing that would be investing in a stock and then you know making an investment in yourself and educating yourself that's probably what I'd recommend doing especially at the age of eighteen somewhere around there but if you guys enjoyed this video please drop me a like below and if you're looking to learn more about investing in the stock market I do have my beginners guide to stock market trading which I will link up in the description and there should be an annotation popping up on the screen here as well so you guys can check that out if you're interested but please consider subscribing to be notified of future uploads and I thank you guys for watching this video